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1004 Howard St, Petoskey, MI, 49770

4beds
4baths
2,541sqft
$799,000
$314price/sqft
$5,303/moest. monthly cost
$212,120/yrincome needed

About This Home

Situated on a double lot in downtown Petoskey, this beautifully maintained home offers an exceptional combination of space, privacy, and location. Perched atop Howard Street hill, the property enjoys what many consider to be one of the most picturesque approaches into downtown, with charming views and an elevated setting. The home features four bedrooms and three-and-a-half baths, including a spacious main floor primary suite with a private bath and generous walk-in closet. A second bedroom suite is tucked away on the lower level, complete with its own bathroom and direct exterior access, creating an ideal retreat for guests, extended family, or a home office. The main living area is warm and inviting, centered around a fireplace and flowing seamlessly into the dining room. A sun-filled sitting room, surrounded by windows and currently used as a plant-filled conservatory, provides a peaceful space to relax and enjoy natural light throughout the day. The kitchen is located at the rear of the home and connects to a spacious mudroom and laundry area. Outside, the two-car garage provides ample storage and is topped by a large rooftop deck—an outstanding setting for summer entertaining, outdoor dining, or enjoying evening sunsets. The fully fenced backyard is a true highlight, offering abundant gardens and green space. Tucked into the back corner of the property is a charming cabin complete with a wood-burning fireplace, creating a cozy space for gatherings, hobbies, or quiet evenings. Just moments from downtown Petoskey, local parks, schools, shopping, and dining, this property presents a rare opportunity to enjoy in-town living with the space and amenities typically found in a much larger setting. A truly special home that must be experienced to be fully appreciated.

Getting Around

70
WalkingVery Walkable
0
TransitVery Limited Transit
48
BikeSomewhat Bikeable

Schools

8/10
9/10
Petoskey Middle SchoolGrades 6-81.2 mi
7/10
Petoskey High SchoolGrades 9-121.0 mi

Construction

Materials

  • Construction materials: Wood Frame/Site Built

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Refrigerator,Washer,Dryer,Range

Basement

  • Has basement: Yes
  • Basement: Michigan

Bedroom

  • Area: 225.69444444444446

Bedroom1

  • Area: 289.66666666666663

Bedroom2

  • Area: 188.79166666666669

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Area: 201.73611111111111

Features

  • Fireplace features: Gas
  • Fireplace: Yes

Heating

  • Heating features: Forced Air

Interior Area

  • Total interior livable area: 2,541 sqft

Kitchen

  • Area: 223.70833333333331

Living Room

  • Area: 279.51388888888886

Master Bedroom

  • Area: 231.2777777777778

Property

Details

  • Parcel number: 521906400043

Features

  • Levels: Two Or More
  • Patio & porch: Deck

Parking

  • Parking features: Attached Garage
  • Has garage: Yes
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Lightning
Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Tsunami

FEMA Declared Disasters in Emmet County and Michigan

Severe Ice Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,040$48,480
Home Insurance *$441$5,292
Property Taxes $545$6,540
Electricity $277$3,325
Total$5,303$63,636
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$181,817/yr
40% on housing$159,090/yr
45% on housing$141,413/yr

Michigan FAIR Plan Programs

Michigan Basic Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 15,981Commercial: 293
Total Premiums$13.85M
Total Exposure$2.60B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 3.9%
3.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$314This listing

vs Other Active Listings

Avg $/sqft

ZIP 49770$453
Emmet County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 49770
Emmet County$223

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-02Listed for sale$799,000
2010-07-26Sold$135,000

For Sale by Agent

AgentPete Platte
BrokerageGaslight Group Properties

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